LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,514
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,245
−HK$743/mo
Today · 4.125%
HK$24,988
baseline
▲ 0.50% · 4.625%
HK$26,509
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,976/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,159
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$712/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,025
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,216
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$892/mo
Today · 4.125%
HK$29,986
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,972/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,390
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,232
−HK$854/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,919
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,943
−HK$1,040/mo
Today · 4.125%
HK$34,983
baseline
▲ 0.50% · 4.625%
HK$37,112
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,966/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,622
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,604
−HK$997/mo
Today · 4.125%
HK$38,601
baseline
▲ 0.50% · 4.625%
HK$40,635
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,202/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,325
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,641
−HK$1,338/mo
Today · 4.125%
HK$44,979
baseline
▲ 0.50% · 4.625%
HK$47,715
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,958/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,086
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,348
−HK$1,281/mo
Today · 4.125%
HK$49,629
baseline
▲ 0.50% · 4.625%
HK$52,246
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,258/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,694 · Scale 2, in force from 26 Feb 2026)